Blog
We've served the nation. Now we serve you.
February 22, 2026
Bottom Line An irrevocable life insurance trust needs an estate attorney's trust document, trust ownership of the policy, and ongoing premium payments. Have your attorney review an existing policy transfer, and choose a trustee who can manage payments and beneficiary…
Read more
February 22, 2026
Bottom Line Renewable term fits temporary income protection, but renewal premiums rise with age. Indexed universal life may fit high earners who've maxed out retirement account contributions and want permanent coverage with cash value, provided they maintain adequate funding. Compare…
Read more
February 22, 2026
Bottom Line Oral contraceptives alone usually have little effect on term life insurance rates. If they're treating polycystic ovary syndrome or endometriosis, condition management and complications matter; disclose the medication, dosage and duration along with your treatment history. Request term…
Read more
February 22, 2026
Life Insurance Trust Process Explained (2026) Bottom Line Have an estate planning attorney establish an irrevocable life insurance trust, then have its trustee apply for and manage the policy. Discuss trust ownership, beneficiary designation and control with your attorney before…
Read more
February 22, 2026
Bottom Line For life insurance while living abroad, start with your destination, citizenship or residency status, travel and health history. Check the carrier's rules for applicants living abroad before assuming you can skip an exam or receive immediate approval. Request…
Read more
February 22, 2026
Bottom Line Renewable term fits temporary family obligations, but renewal brings higher age-based premiums. Universal life supports permanent estate or business planning with adjustable premiums and cash value, but underfunding or weak interest performance can cause coverage to lapse. Compare…
Read more
February 22, 2026
Bottom Line For term life quotes while taking birth control pills, describe the reason for the prescription. Underwriters focus on why they're prescribed, whether an underlying condition is stable, and your overall health, including tobacco use and recent prescription changes.…
Read more
February 22, 2026
Bottom Line Exterminator life insurance rates depend on actual duties and chemical exposure, not just your job title. Residential spray work receives different scrutiny from sealed-structure fumigation; safety practices, health and the carrier also affect underwriting. Request life quotes for…
Read more
February 22, 2026
Bottom Line For renewable term, check renewal limits; continuing without new medical underwriting usually means higher age-based premiums. Whole life offers cash value and lifelong coverage for legacy or final expenses if required premiums are paid. Compare term and whole…
Read more
February 22, 2026
Bottom Line Size your life insurance for the mortgage balance plus other debts, income replacement and education needs, counting the mortgage only once. Match the term to how long your family will need that protection. Request life insurance for homeowners…
Read more
